{"id":50727,"date":"2024-01-09T11:02:30","date_gmt":"2024-01-09T16:02:30","guid":{"rendered":"https:\/\/skolnicklaw.com\/?p=50727"},"modified":"2024-02-13T16:33:12","modified_gmt":"2024-02-13T21:33:12","slug":"ohio-drivers-uninsured-underinsured-motorist-coverage-is-a-must-have-in-your-auto-insurance-policy","status":"publish","type":"post","link":"https:\/\/skolnicklaw.com\/ohio-drivers-uninsured-underinsured-motorist-coverage-is-a-must-have-in-your-auto-insurance-policy\/","title":{"rendered":"Ohio Drivers: Uninsured\/Underinsured Motorist Coverage is a Must-Have in Your Auto Insurance Policy"},"content":{"rendered":"\n<p>Uninsured\/underinsured automobile insurance in Ohio is relatively inexpensive to add to your liability coverage and so very important if the personal that causes the car accident is uninsured or underinsured. If you suffer injuries and property damage due to the negligence of others, you must be sure that you get paid from the at-fault insurance OR from your own insurance company. \u00a0Make sure you have uninsured\/underinsured coverage on your automobile policy. <\/p>\n\n\n\n<p><strong>What does uninsured\/underinsured motorist insurance cover?<br><\/strong>Uninsured\/underinsured motorist insurance covers your injuries, your passengers&#8217; injuries, and damage to your vehicle if you&#8217;re hit by a driver who doesn&#8217;t have enough or has no auto insurance coverage.<br>If you&#8217;re hit by a driver with no insurance\u2026<\/p>\n\n\n\n<ul>\n<li><strong>Uninsured motorist bodily injury (UMBI)<\/strong>&nbsp;may pay medical bills for both you and your passengers.<\/li>\n\n\n\n<li><strong>Uninsured motorist property damage (UMPD)<\/strong>&nbsp;may pay for damage to your vehicle.<\/li>\n<\/ul>\n\n\n\n<p>If you&#8217;re hit by a driver with not enough insurance\u2026<\/p>\n\n\n\n<ul>\n<li><strong>Underinsured motorist bodily injury (UIMBI)<\/strong>&nbsp;may pay medical bills for both you and your passengers in excess of the at-fault coverage.<\/li>\n\n\n\n<li><strong>Underinsured motorist property damage (UIMPD)<\/strong>&nbsp;may pay for damage to your vehicle in excess of the at-fault coverage.<\/li>\n<\/ul>\n\n\n\n<p>The link below is the Ohio Revised Code section on this topic:<br><a href=\"https:\/\/casetext.com\/statute\/ohio-revised-code\/title-39-insurance\/chapter-3937-casualty-insurance-motor-vehicle-insurance\/section-393718-uninsured-and-underinsured-motorist-coverage\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/casetext.com\/statute\/ohio-revi&#8230;t-coverage<\/a><\/p>\n\n\n\n<p>If you present an uninsured or underinsured claim to your insurance company, your insurance rates will not increase. &nbsp;The accident was not your fault, and you are paying for this coverage. &nbsp;Your insurance company has a contractual obligation to provide coverage for you.<\/p>\n\n\n\n<p>Have questions about this topic, please feel free to call Howard Skolnick directly on his cell phone at (216) 376-0645.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Uninsured\/underinsured automobile insurance in Ohio is relatively inexpensive to add to your liability coverage and so very important if the personal that causes the car accident is uninsured or underinsured. If you suffer injuries and property damage due to the negligence of others, you must be sure that you get paid from the at-fault insurance [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":50728,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[6,7],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.0 (Yoast SEO v22.0) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Uninsured\/Underinsured Motorist Coverage is a Must-Have<\/title>\n<meta name=\"description\" content=\"Ensure you&#039;re protected with Uninsured\/Underinsured Motorist Coverage - it&#039;s inexpensive and a must-have in Ohio.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/skolnicklaw.com\/ohio-drivers-uninsured-underinsured-motorist-coverage-is-a-must-have-in-your-auto-insurance-policy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ohio Drivers: Uninsured\/Underinsured Motorist Coverage is a Must-Have in Your Auto Insurance Policy\" \/>\n<meta property=\"og:description\" content=\"Ensure you&#039;re protected with Uninsured\/Underinsured Motorist Coverage - it&#039;s inexpensive and a must-have in Ohio.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/skolnicklaw.com\/ohio-drivers-uninsured-underinsured-motorist-coverage-is-a-must-have-in-your-auto-insurance-policy\/\" \/>\n<meta property=\"og:site_name\" content=\"Personal Injury Lawyer Cleveland | Car Accident Attorney\" \/>\n<meta property=\"article:published_time\" content=\"2024-01-09T16:02:30+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-02-13T21:33:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/skolnicklaw.com\/wp-content\/uploads\/2024\/01\/Depositphotos_670122454_L.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2000\" \/>\n\t<meta property=\"og:image:height\" content=\"1333\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin_c7zp2azd\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin_c7zp2azd\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/skolnicklaw.com\/ohio-drivers-uninsured-underinsured-motorist-coverage-is-a-must-have-in-your-auto-insurance-policy\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/skolnicklaw.com\/ohio-drivers-uninsured-underinsured-motorist-coverage-is-a-must-have-in-your-auto-insurance-policy\/\"},\"author\":{\"name\":\"admin_c7zp2azd\",\"@id\":\"https:\/\/skolnicklaw.com\/#\/schema\/person\/446027c81d34fca67dc25c1a80a52f96\"},\"headline\":\"Ohio Drivers: Uninsured\/Underinsured Motorist Coverage is a Must-Have in Your Auto Insurance Policy\",\"datePublished\":\"2024-01-09T16:02:30+00:00\",\"dateModified\":\"2024-02-13T21:33:12+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/skolnicklaw.com\/ohio-drivers-uninsured-underinsured-motorist-coverage-is-a-must-have-in-your-auto-insurance-policy\/\"},\"wordCount\":296,\"publisher\":{\"@id\":\"https:\/\/skolnicklaw.com\/#organization\"},\"articleSection\":[\"Blog\",\"Car Accidents\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/skolnicklaw.com\/ohio-drivers-uninsured-underinsured-motorist-coverage-is-a-must-have-in-your-auto-insurance-policy\/\",\"url\":\"https:\/\/skolnicklaw.com\/ohio-drivers-uninsured-underinsured-motorist-coverage-is-a-must-have-in-your-auto-insurance-policy\/\",\"name\":\"Uninsured\/Underinsured Motorist Coverage is a Must-Have\",\"isPartOf\":{\"@id\":\"https:\/\/skolnicklaw.com\/#website\"},\"datePublished\":\"2024-01-09T16:02:30+00:00\",\"dateModified\":\"2024-02-13T21:33:12+00:00\",\"description\":\"Ensure you're protected with Uninsured\/Underinsured Motorist Coverage - it's inexpensive and a must-have in Ohio.\",\"breadcrumb\":{\"@id\":\"https:\/\/skolnicklaw.com\/ohio-drivers-uninsured-underinsured-motorist-coverage-is-a-must-have-in-your-auto-insurance-policy\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/skolnicklaw.com\/ohio-drivers-uninsured-underinsured-motorist-coverage-is-a-must-have-in-your-auto-insurance-policy\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/skolnicklaw.com\/ohio-drivers-uninsured-underinsured-motorist-coverage-is-a-must-have-in-your-auto-insurance-policy\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/skolnicklaw.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Ohio Drivers: Uninsured\/Underinsured Motorist Coverage is a Must-Have in Your Auto Insurance Policy\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/skolnicklaw.com\/#website\",\"url\":\"https:\/\/skolnicklaw.com\/\",\"name\":\"Personal Injury Lawyer Cleveland | Car Accident Attorney\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/skolnicklaw.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/skolnicklaw.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/skolnicklaw.com\/#organization\",\"name\":\"Personal Injury Lawyer Cleveland | Car Accident Attorney\",\"url\":\"https:\/\/skolnicklaw.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/skolnicklaw.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/skolnicklaw.com\/wp-content\/uploads\/2023\/06\/Logo-2.png\",\"contentUrl\":\"https:\/\/skolnicklaw.com\/wp-content\/uploads\/2023\/06\/Logo-2.png\",\"width\":1024,\"height\":400,\"caption\":\"Personal Injury Lawyer Cleveland | Car Accident Attorney\"},\"image\":{\"@id\":\"https:\/\/skolnicklaw.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/skolnicklaw.com\/#\/schema\/person\/446027c81d34fca67dc25c1a80a52f96\",\"name\":\"admin_c7zp2azd\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/skolnicklaw.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/856c0814e41319ee43af0c5cb848249f?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/856c0814e41319ee43af0c5cb848249f?s=96&d=mm&r=g\",\"caption\":\"admin_c7zp2azd\"},\"url\":\"https:\/\/skolnicklaw.com\/author\/admin_c7zp2azd\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Uninsured\/Underinsured Motorist Coverage is a Must-Have","description":"Ensure you're protected with Uninsured\/Underinsured Motorist Coverage - it's inexpensive and a must-have in Ohio.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/skolnicklaw.com\/ohio-drivers-uninsured-underinsured-motorist-coverage-is-a-must-have-in-your-auto-insurance-policy\/","og_locale":"en_US","og_type":"article","og_title":"Ohio Drivers: Uninsured\/Underinsured Motorist Coverage is a Must-Have in Your Auto Insurance Policy","og_description":"Ensure you're protected with Uninsured\/Underinsured Motorist Coverage - it's inexpensive and a must-have in Ohio.","og_url":"https:\/\/skolnicklaw.com\/ohio-drivers-uninsured-underinsured-motorist-coverage-is-a-must-have-in-your-auto-insurance-policy\/","og_site_name":"Personal Injury Lawyer Cleveland | Car Accident Attorney","article_published_time":"2024-01-09T16:02:30+00:00","article_modified_time":"2024-02-13T21:33:12+00:00","og_image":[{"width":2000,"height":1333,"url":"https:\/\/skolnicklaw.com\/wp-content\/uploads\/2024\/01\/Depositphotos_670122454_L.jpg","type":"image\/jpeg"}],"author":"admin_c7zp2azd","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin_c7zp2azd","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/skolnicklaw.com\/ohio-drivers-uninsured-underinsured-motorist-coverage-is-a-must-have-in-your-auto-insurance-policy\/#article","isPartOf":{"@id":"https:\/\/skolnicklaw.com\/ohio-drivers-uninsured-underinsured-motorist-coverage-is-a-must-have-in-your-auto-insurance-policy\/"},"author":{"name":"admin_c7zp2azd","@id":"https:\/\/skolnicklaw.com\/#\/schema\/person\/446027c81d34fca67dc25c1a80a52f96"},"headline":"Ohio Drivers: Uninsured\/Underinsured Motorist Coverage is a Must-Have in Your Auto Insurance Policy","datePublished":"2024-01-09T16:02:30+00:00","dateModified":"2024-02-13T21:33:12+00:00","mainEntityOfPage":{"@id":"https:\/\/skolnicklaw.com\/ohio-drivers-uninsured-underinsured-motorist-coverage-is-a-must-have-in-your-auto-insurance-policy\/"},"wordCount":296,"publisher":{"@id":"https:\/\/skolnicklaw.com\/#organization"},"articleSection":["Blog","Car Accidents"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/skolnicklaw.com\/ohio-drivers-uninsured-underinsured-motorist-coverage-is-a-must-have-in-your-auto-insurance-policy\/","url":"https:\/\/skolnicklaw.com\/ohio-drivers-uninsured-underinsured-motorist-coverage-is-a-must-have-in-your-auto-insurance-policy\/","name":"Uninsured\/Underinsured Motorist Coverage is a Must-Have","isPartOf":{"@id":"https:\/\/skolnicklaw.com\/#website"},"datePublished":"2024-01-09T16:02:30+00:00","dateModified":"2024-02-13T21:33:12+00:00","description":"Ensure you're protected with Uninsured\/Underinsured Motorist Coverage - it's inexpensive and a must-have in Ohio.","breadcrumb":{"@id":"https:\/\/skolnicklaw.com\/ohio-drivers-uninsured-underinsured-motorist-coverage-is-a-must-have-in-your-auto-insurance-policy\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/skolnicklaw.com\/ohio-drivers-uninsured-underinsured-motorist-coverage-is-a-must-have-in-your-auto-insurance-policy\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/skolnicklaw.com\/ohio-drivers-uninsured-underinsured-motorist-coverage-is-a-must-have-in-your-auto-insurance-policy\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/skolnicklaw.com\/"},{"@type":"ListItem","position":2,"name":"Ohio Drivers: Uninsured\/Underinsured Motorist Coverage is a Must-Have in Your Auto Insurance Policy"}]},{"@type":"WebSite","@id":"https:\/\/skolnicklaw.com\/#website","url":"https:\/\/skolnicklaw.com\/","name":"Personal Injury Lawyer Cleveland | Car Accident Attorney","description":"","publisher":{"@id":"https:\/\/skolnicklaw.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/skolnicklaw.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/skolnicklaw.com\/#organization","name":"Personal Injury Lawyer Cleveland | Car Accident Attorney","url":"https:\/\/skolnicklaw.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/skolnicklaw.com\/#\/schema\/logo\/image\/","url":"https:\/\/skolnicklaw.com\/wp-content\/uploads\/2023\/06\/Logo-2.png","contentUrl":"https:\/\/skolnicklaw.com\/wp-content\/uploads\/2023\/06\/Logo-2.png","width":1024,"height":400,"caption":"Personal Injury Lawyer Cleveland | Car Accident Attorney"},"image":{"@id":"https:\/\/skolnicklaw.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/skolnicklaw.com\/#\/schema\/person\/446027c81d34fca67dc25c1a80a52f96","name":"admin_c7zp2azd","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/skolnicklaw.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/856c0814e41319ee43af0c5cb848249f?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/856c0814e41319ee43af0c5cb848249f?s=96&d=mm&r=g","caption":"admin_c7zp2azd"},"url":"https:\/\/skolnicklaw.com\/author\/admin_c7zp2azd\/"}]}},"_links":{"self":[{"href":"https:\/\/skolnicklaw.com\/wp-json\/wp\/v2\/posts\/50727"}],"collection":[{"href":"https:\/\/skolnicklaw.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/skolnicklaw.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/skolnicklaw.com\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/skolnicklaw.com\/wp-json\/wp\/v2\/comments?post=50727"}],"version-history":[{"count":1,"href":"https:\/\/skolnicklaw.com\/wp-json\/wp\/v2\/posts\/50727\/revisions"}],"predecessor-version":[{"id":50729,"href":"https:\/\/skolnicklaw.com\/wp-json\/wp\/v2\/posts\/50727\/revisions\/50729"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/skolnicklaw.com\/wp-json\/wp\/v2\/media\/50728"}],"wp:attachment":[{"href":"https:\/\/skolnicklaw.com\/wp-json\/wp\/v2\/media?parent=50727"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/skolnicklaw.com\/wp-json\/wp\/v2\/categories?post=50727"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/skolnicklaw.com\/wp-json\/wp\/v2\/tags?post=50727"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}